MANIKOWSKI, Piotr; OWSIŃSKI, Konrad. DIRECT CLAIMS SETTLEMENT AS AN EXAMPLE OF INNOVATIONS IN MOTOR INSURANCE IN POLAND. Horizons - International Scientific Journal, [S. l.], v. 26, n. 3, p. 89–99, 2020. DOI: 10.20544/HORIZONS.A.26.3.20.P08. Disponível em: https://www.ojs.uklo.edu.mk/index.php/horizons/article/view/169. Acesso em: 17 oct. 2026.